Proses Pembukaan Rekening Tabungan Perorangan Akad Mudharabah di BTN Syariah Surapati
Abstract
This study aims to investigate the procedure for creating a BTN Syariah Surapati mudharabah individual savings account. A savings account known as mudharabah savings is managed according to a mudharabah (profit sharing) agreement. Based on a mudharabah contract, the customer will receive profit sharing on a certain percentage of the agreed profit with this savings account. A descriptive study using a qualitative approach is the research methodology employed. Information gathered from the author's critical thinking and a survey of the material found in journals. This study employs the use of interview data-gathering methodologies, including interviews with BTN Syariah Surapati staff members and mudharabah savings consumers. The findings indicated that consumers are more interested in mudharabah savings products than in wadi'ah savings. Based on the quantity of buyers for each product, this is observed. Then, it was discovered that BTN Syariah Surapati's mudharabah savings plan was suitable and effective.
Tujuan penelitian ini adalah untuk mengetahui proses pembukaan rekening tabungan perorangan akad mudharabah di BTN Syariah Surapati. Tabungan mudharabah merupakan tabungan yang dijalankan berdasarkan akad mudharabah (bagi hasil). Tabungan ini berprinsip pada akad mudharabah di mana nasabah akan mendapatkan keuntungan berupa bagi hasil berdasarkan prosentasi pada keuntungan yang sudah disepakati. Metode penelitian yang digunakan jenis penelitian deskriptif menggunkan pendekatan kualitatif. Informasi yang didapat dari kajian pustaka yang bersumber dari jurnal-jurnal dan pemikiran kritis dari penulis. Penelitian ini menggunakan teknik pengumpulan data wawancara, wawancara dilakukan kepada karyawan dan nasabah tabungan mudharabah di BTN Syariah Surapati. Hasil penelitian menunjukkan bahwa produk tabungan mudharabah lebih diminati oleh masyarakat daripada tabungan wadi’ah. Hal ini dilihat berdasarkan jumlah nasabah dari masing-masing produk. Kemudian diperoleh bahwa mekanisme tabungan mudharabah yang diterapkan oleh BTN Syariah Surapati sudah baik dan sesuai.
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